Authenticating the location of an internet user
A method for validating an electronic transaction of an Internet user associated with a mobile phone, by comparing the present location of the mobile phone to a past location, and validating the transaction only if the time and distance between locations, and/or the implied velocity of motion between the locations, are within acceptable ranges.
1. A method for validating an electronic transaction of an Internet user associated with a mobile phone, comprising:
(a) confirming the association of the mobile phone and the Internet user;
(b) receiving a first geographical location of the mobile phone, wherein consent to release the first geographical location is requested from and provided by the user via software on the mobile phone, and wherein the consent is requested prior to receiving the first geographical location;
(c) initiating a geographical comparison, wherein the geographical comparison checks if the first geographical location is within an allowable range of a second geographical location of the mobile phone,
wherein each of the first geographical location and the second geographical location is determined via a different source selected from the group comprising GPS, WiFi, other mobile phone antennas, and cellular base station;
wherein whether the first geographical location is within the allowable range of the second geographical location is determined by at least one of:
(i) whether a distance between the first geographical location and the second geographical location exceeds an allowed distance, and
(ii) whether the first geographical location and the second geographical location are both within an allowed area;
(d) if the first geographical location is within the allowable range of the second geographical location, taking at least one of the following actions:
(i) allowing the transaction, and
(ii) assigning a positive score to the transaction;
otherwise
(e) if the first geographical location is not within the allowable range of the second geographical location, taking at least one of the following actions:
(i) requiring additional authentication information of the Internet user, and
(ii) assigning a negative score to the transaction.
2. The method of claim 1 , wherein a first entity provides both the first geographical location and the second geographical location.
3. The method of claim 1 , wherein the mobile phone provides both the first geographical location and the second geographical location.
4. The method of claim 1 , wherein a first entity provides the first geographical location, and a second entity provides the second geographical location.
5. The method of claim 1 , wherein the first geographical location is provided by the mobile phone, and wherein a service provider for the mobile phone performs the determination of the second geographical location.
6. The method of claim 5 , wherein the initiating step is performed after the confirming step occurs successfully.
7. The method of claim 6 , wherein the step of confirming that the Internet user is associated with the mobile phone comprises receiving information from a database managed by the service provider for the mobile phone and comparing it with information received from a database managed by a financial institution associated with the Internet user.
8. The method of claim 7 , wherein the information comprises at least one of the Internet user's billing address and name.
9. The method of claim 1 , wherein the initiating step is performed after the confirming step occurs successfully.
10. The method of claim 1 , wherein the initiating step is performed immediately after the first geographical location is received.
11. The method of claim 1 , wherein the step of confirming that the Internet user is associated with the mobile phone comprises receiving information from a database managed by the service provider for the mobile phone and comparing it with information received from a database managed by a financial institution associated with the Internet user.
12. The method of claim 11 , wherein the information comprises at least one of the Internet user's billing address and name.
13. The method of claim 1 , wherein one of the first geographical location and the second geographical location is determined via at least one of: GPS, antenna triangulation and cellular base station, and the other of the first geographical information and the second geographical information is determined via Wi-Fi.
14. The method of claim 1 , wherein one of the first geographical location and the second geographical location is determined via GPS, and the other is determined via Wi-Fi.
15. The method of claim 1 , wherein the step of confirming that the Internet user is associated with the mobile phone further comprises at least one of:
(i) determining that the mobile phone is associated with information about at least one of: the Internet user's credit card and the Internet user's bank account; and
(ii) determining that the mobile phone number has been recorded in a database as associated with an account of the Internet user, for longer than a predetermined time.
16. A method for validating an electronic transaction of an Internet user associated with a mobile phone, comprising:
(a) receiving a first geographical location of the mobile phone, wherein consent to release the first geographical location is requested from and provided by the user via software on the mobile phone, and wherein the consent is requested prior to receiving the first geographical location;
(b) receiving a second geographical location of the mobile phone, wherein each of the first geographical location and the second geographical location is determined via a different source selected from the group: GPS, WiFi, other mobile phone antennas, and cellular base station;
(c) checking whether the first geographical location and the second geographical location are within an allowable range, wherein being within the allowable range is determined by at least one of:
i. whether a distance between the first geographical location and the second geographical location exceeds an allowed distance, and
ii. whether the first geographical location and the second geographical location are both within an allowable area;
(d) if the first geographical location is within the allowable range of the second geographical location, taking at least one of the following actions:
(i) allowing the transaction, and
(ii) assigning a positive score to the transaction;
otherwise
(e) if the first geographical location is not within the allowable range of the second geographical location, taking at least one of the following actions:
(i) requiring additional authentication information of the Internet user, and
(ii) assigning a negative score to the transaction.
17. The method of claim 16 , wherein the mobile phone provides both the first geographical location and the second geographical location.
18. The method of claim 16 , wherein a first entity provides the first geographical location, and a second entity performs the determination of the second geographical location.
19. The method of claim 18 , further comprising the step of: confirming the association of the mobile phone and the Internet user.
20. The method of claim 19 , wherein the confirming step occurs successfully before the second geographical location is received.
21. The method of claim 20 , wherein the step of confirming that the Internet user is associated with the mobile phone comprises receiving information from a database managed by the service provider for the mobile phone and comparing it with information received from a database managed by a financial institution associated with the Internet user.
22. The method of claim 21 , wherein the information comprises at least one of the Internet user's billing address and the Internet user's name.
23. The method of claim 16 , wherein the first geographical location is provided by the mobile phone, and wherein the second geographical location is provided by a service provider for the mobile phone.
24. The method of claim 16 , wherein the second geographical location is received immediately after the first geographical location is received.
25. The method of claim 16 , wherein one of the first geographical location and the second geographical location is determined via at least one of: GPS, antenna triangulation and cellular base station, and the other of the first geographical information and the second geographical information is determined via Wi-Fi.
26. The method of claim 16 , wherein one of the first geographical location and the second geographical location is determined via GPS, and the other is determined via Wi-Fi.
27. The method of claim 20 , wherein the step of confirming that the Internet user is associated with the mobile phone further comprises at least one of:
(i) determining that the mobile phone is associated with information about at least one of: the Internet user's credit card and the Internet user's bank account; and
(ii) determining that the mobile phone number has been recorded in a database as associated with an account of the Internet user, for longer than a predetermined time.
28. The method of claim 16 , wherein a first entity provides the first geographical location, and a second entity provides the second geographical location.