Methods, systems, and computer-readable storage media for managing risk using location, mobile, and user participating-based identity verification

摘要

The presently disclosed subject matter is directed to methods, systems, and computer-readable storage media for location, mobile, and user participating-based identity verification for the purposes of risk management. In one embodiment, the method, system, and computer-readable storage media includes receiving user data, receiving verification data, and verifying the identity of a user based on the user data and the verification request data. The user data may include location data and/or identity data, and the user data may be received from a mobile device. The identity data may include biometric data regarding the user. The method, system, and computer-readable storage media may include comparing the user data to the verification request data. The method, system, and computer-readable storage media may also include performing an action based on the results of the verification wherein the action is authorizing a payment.

主权项

1. A method for using location data in a soft card issuance transaction, the method comprising:
using at least one processor and memory for:
receiving a request for issuance of a soft card, the request having a user data including location data securely attached to the request;determining, based on the location data, whether a location of a prospective card owner is an acceptable location;in response to determining that the location of the prospective card owner is an acceptable location, issuing the soft card to the prospective card owner; andin response to determining that the location of the prospective card owner is not an acceptable location, prompting the prospective card owner in real time for a personal identification number (PIN), a passcode, or biometric identification information.