PROXIMITY TO A LOCATION AS A FORM OF AUTHENTICATION

摘要

Disclosed is a system and associated method of authenticating a transaction based at least partially on the location of a mobile device. The system typically includes a processor, a memory, and a transaction authentication module stored in the memory. The module is typically configured for: receiving a request from a user to complete a transaction; receiving geographic location information for a point-of-transaction associated with the transaction; receiving geographic location information for the mobile device associated with the user; determining whether the geographic location of the point-of-transaction is geographically proximate to the geographic location of the mobile device; and based at least partially on the geographic location of the point-of-transaction being geographically proximate to the geographic location of the mobile device, enabling the user to complete the transaction.

主权项

1. A system for authenticating transactions, comprising:
a computer apparatus including a processor and a memory; and a transaction authentication module stored in the memory, executable by the processor and configured for:
receiving a request from a user to complete a first transaction;determining that the first transaction corresponds to a first level of authentication, the first level of authentication permitting user authentication based at least partially on the geographic location of a transaction being geographically proximate to a mobile device associated with the user;receiving geographic location information for a point-of-transaction associated with the first transaction;receiving geographic location information for the mobile device associated with the user;determining whether the geographic location of the point-of-transaction is geographically proximate to the geographic location of the mobile device;based at least partially on the geographic location of the point-of-transaction being geographically proximate to the geographic location of the mobile device, determining that the user has satisfied the first level of authentication; andbased at least partially on the user satisfying the first level of authentication, enabling the user to complete the first transaction.